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Do you require auto insurance in Springfield? With AutoInsuranceEZ.com, anyone could find the most affordable insurance rates within their area. To receive free auto insurance quotes from the best providers available, provide your local zip code at the bottom of the page.

Springfield, MA is an important city for trade, manufacturing, and most recently, service industries. For wholesale distributors and retailers, the city is well connected to the rest of the state via highways and rail. In the past, Springfield specialized in artisan manufacturing, but today the biggest industry revolves around firearms.

  • Fun fact: Break out the power tools, because Springfield is #59 on the list of “Top 100 cities with old houses but young residents (pop. 50,000+)”!

Auto Insurance Coverage Requirements in Massachusetts

Driving legally in Springfield requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 5,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 100,000/300,000
Medical Payments Not required 10,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

It should be noted that Massachusetts mandatory minimums are a little higher than in some other states. But having higher limits on Liability coverage and Uninsured Motorist coverage could pay off in the long run.

If you’re driving around legally covered in Massachusetts, you could be paying as much as $134 or more each month for your policy. But did you know that Springfield drivers can now lower their rates to $90/mo* or less? It’s true – and we can show you how.

Average Monthly Auto Insurance Premiums Legend: Springfield Liberty Mutual Allstate Amica Encompass National Grange Mutual 15 30 45 60 75 90 105 120 135 150 165 $179 $67 $67 $68 $70

 

Allstate, Amica, and Encompass are in a bidding war to be the lowest-priced provider in Springfield, MA. If you’re paying too much for your current policy, you can and should switch companies. Just make sure that, along with low rates, they also offer great customer and claims services.

Auto insurance companies evaluate different elements when determining how much to quote you for insurance, including marital status, driving violations, type of vehicle owned, education, and whether or not you also use your vehicle for business. Also keep in mind that premiums will change from company to company. To make sure you’re still receiving the most favorable rate, use the internet to compare cheap Springfield auto insurance quotes.

 

Major Car Insurance Factors in Springfield

There are many ways that your car insurance rate can be determined. But not all of it is out of your control; there are actions you can take in order to control which discounts you are eligible to acquire. Listed below are some of these components in greater detail:

  • Your Zip Code

Affordable car insurance is generally acquired in cities which have lower numbers of residents. Since there aren’t many cars travelling the road, you won’t be as likely to become involved in a serious car accident with anyone else. The total population of Springfield is 153,703 and the average household income is $34,734.

Auto Insurance by Zip Code Legend: Boston Cambridge Lowell Springfield Worcester Liberty Mutual Allstate Amica Encompass National Grange Mutual 15 30 45 60 75 90 105 120 135 150 165 $126 $119 $145 $179 $153 $56 $47 $53 $67 $54 $54 $49 $56 $67 $57 $54 $43 $59 $68 $54 $47 $42 $52 $70 $55

 

  • Automotive Accidents

Serious accidents in Springfield seem to occur more often than they do in similarly-sized cities. This may partially explain why policy premiums in Springfield are so high – the more likely you are to get into an accident, the more your insurance provider will charge you.

Fatal Accidents in Springfield, MA Legend: Springfield Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 9 12 3 9 20 3

 

  • Auto Thefts in Springfield

Auto theft is a major problem, especially in densely populated cities. If your locale and/or vehicle model put you at a higher risk for theft, you may have trouble finding low-cost car insurance. The full number of vehicles stolen in 2013 was 735 for the city of Springfield. Per capita, auto theft is still pretty high. You might want to consider having some Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Amica Encompass National Grange Mutual 30 60 90 120 150 180 210 240 270 300 330 $179 $335 $67 $143 $67 $157 $68 $172 $70 $123

 

  • Your Credit Score

Springfield insurance providers, because they are located in Massachusetts, are prohibited by law from charging different rates based on your credit score. To be clear, this is only prohibited in Massachusetts (as well as two other states). Everywhere else, insurance companies can and will charge lower rates for a good credit score, and significantly higher premiums for drivers with poor credit.

 

  • Your Age

Did you know that some companies will charge teenage drivers up to 300% more for insurance than someone twice their age? It all has to do with their overall lack of driving experience. Because of their inexperience, they are much more likely to get into an accident.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Allstate Amica Encompass National Grange Mutual 50 100 150 200 250 300 350 400 450 500 550 $179 $572 $67 $253 $67 $210 $68 $291 $70 $370

 

  • Your Driving Record

Insurance providers are increasingly offering “Accident Forgiveness” discounts for drivers with minor violations on their record. However, there are limits to these discounts. Most of them won’t apply to serious citations, such as a DUI or a Reckless Driving charge. Not only are such offenses expensive, but you may end up losing your coverage.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Amica Encompass National Grange Mutual 20 40 60 80 100 120 140 160 180 200 220 240 260 280 $179 $212 Do Not Sell $299 $67 $74 $154 $74 $67 $81 $141 $112 $68 $120 $232 $161 $70 $105 $128 $105

 

  • Your Vehicle

The more expensive your vehicle is, the more it will cost to insure. You might be able to get away with minimum coverage amounts on a less expensive vehicle, but you’ll want to invest in more extensive coverage when it comes to luxury automobiles.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Amica Encompass National Grange Mutual 30 60 90 120 150 180 210 240 270 300 330 360 $179 $366 $67 $158 $67 $177 $68 $183 $70 $140

 

Minor Car Insurance Factors in Springfield

Of All the factors which might raise (or even lower) your monthly insurance bill, the following are sometimes less influential:

  • Your Marital Status

Did you know that married couples can significantly lower their premiums by bundling their policies with the same company? Of course, you have to make sure you’re insured by the same provider first. And if that insurance company also does homeowner’s or renter’s insurance, you can save even more.

  • Your Gender

The days of one gender being “known” as the better driver are becoming a relic of the past – at least, some insurance providers think so. These days, several major providers charge the exact same rate, regardless of gender. And those who still do charge different premiums usually raise prices no more than 2% on average.

  • Your Driving Distance to Work

For those of you who drive to work in Springfield, you can expect your average commute to last around 15-20 minutes. Of those who do drive to their place of employment, nearly three-quarters of them drive their car alone. Between 5% and 20% will carpool to work with their fellow co-workers.

Limiting your yearly mileage will certainly save you money on gas and reduce your chances of an accident, but it won’t help much for reducing your monthly premium. Even if you drive fewer miles than average, you’ll only reduce your rate by 2-3% at best. But if you can, avoid insuring your car, truck, or SUV as a business vehicle. That classification can cost you 10% or more in rate hikes.

  • Your Coverage and Deductibles

Need more coverage, but don’t have enough money to budget each month? Talk to your insurance agent about raising your deductible. Yes, you will have to pay more in the event that you need to file a claim, but think about how much you can save long-term with a lower monthly payment.

  • Education in Springfield, MA

The dominant level of education in Springfield revolves around high school. Nearly one-third of residents have their high school diploma, while more than a quarter of all drivers have yet to complete their education. If you think having a fancy job or a big paycheck will get you discounts, think again. For those who have the means and the desire to expand your education, you’ll reap more than just career benefits; you’ll also get a lower rate on your auto insurance!

Springfield is an integral part of what is known in the New England region as the “Knowledge Corridor”. Between Springfield and nearby Hartford, there are almost three dozen different universities educating hundreds of thousands of students each year. But don’t let those numbers intimidate you; there is also the Cambridge College which specifically caters to adults looking to change careers or improve their professional credentials, as well as the American Career Institute.

Unfortunately for most insurance companies, an easy online search can expose many of their business secrets. But even with the correct information, it can still be difficult for you as an individual to understand your risk profile and discover low-cost insurance. Be sure you do your due diligence prior to committing to your next car insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Massachusetts Division of Insurance

Massachusetts Division of Insurance and Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

If you’d like to calculate YOUR auto insurance risks, simply enter your zip code into the calculator below.

Want to learn more about Springfield, MA?

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